Who we fund
Hospitality Financing for Hotels, Motels, B&Bs, and Event Venues
Yes, hotels, motels, bed and breakfasts, and event venues can get funding. Property purchases and major renovations are usually financed with SBA or commercial real estate loans, while lines of credit help with seasonal occupancy swings.
Get matched: hospitality
The reality
Cash-flow challenges we hear every day.
Seasonal and event-driven occupancy
Many properties fill up in peak season or around local events and sit half-empty the rest of the year, while staffing, utilities, and loan payments continue.
Brand-required property improvement plans
Flagged hotels must complete renovations required by the brand on a set schedule, often at significant cost.
Room and amenity upgrades to stay competitive
Guests compare reviews and photos, so outdated rooms, lobbies, and amenities directly affect bookings and rates.
Online travel agency commissions and payment timing
Bookings through third-party sites come with commissions and payout schedules that reduce and delay cash.
Best-fit funding
Funding that fits hospitality.
SBA 7(a) and 504 loans are commonly used to buy or renovate hotels and motels because of their longer terms.
$50K–$5M‡30–90 days*Commercial real estate loans fund purchases and refinances of hospitality properties based on the property's value and income.
$250K–$10M+‡30–60 days*A line of credit helps cover payroll and operating costs during slow months and is paid down in peak season.
$10K–$500K‡1–3 days*Furniture, fixtures, laundry equipment, and HVAC units can be financed separately during a room refresh.
$10K–$5M‡2–5 days*What lenders look for
Typical profile for hospitality.
Lenders typically review occupancy and revenue history, the property's condition, brand affiliation if any, and the owner's experience operating hospitality properties. Seasonal patterns are looked at across at least a full year.
Common uses of funds
- Buying a hotel, motel, inn, or event venue
- Completing a brand-required renovation plan
- Refreshing rooms, lobbies, and common areas
- Replacing HVAC, laundry, or kitchen equipment
- Covering payroll through the off-season
- Adding amenities like a pool, fitness room, or event space
Can I use an SBA loan to buy a hotel?
Yes, SBA 7(a) and 504 loans are often used for hotel and motel purchases. Lenders will review the property's financials and your hospitality experience.
How do hotels finance a brand-required renovation?
Owners often use SBA loans, commercial real estate refinances, or equipment financing for furniture and fixtures. Planning early helps meet the brand's timeline.
Can a bed and breakfast get a business loan?
Yes. B&Bs can qualify for SBA, real estate, and working capital products, though lenders may look closely at seasonality and owner experience.
Do lenders finance event venues?
Yes, event venues can use real estate loans, SBA loans, and lines of credit. Booked future events can help show expected revenue.
Funding for hospitality, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor